For independent mortgage brokers
Close more loans. Stop chasing documents.
Mortgage AI handles your client intake, document collection, and status updates automatically so you can spend your hours on the relationships that actually close deals.
For independent mortgage brokers
Mortgage AI handles your client intake, document collection, and status updates automatically so you can spend your hours on the relationships that actually close deals.
The Real Problem
Independent mortgage brokers spend an average of 14 hours per loan cycle on administrative work that has nothing to do with underwriting or building referral relationships. That is time that never comes back.
Clients submit incomplete files. You send reminder emails. They send partial documents. You send more reminders. Three weeks pass on a file that should have moved in five days. This cycle repeats on every single loan, every single time, regardless of how organized your client is.
Where is my loan? You answer this question a dozen times a week. Borrowers and Realtors call because they have no visibility into what is happening between milestones. Every inbound call is ten minutes you did not budget for and a conversation that adds no value to either party.
New inquiries come in from referrals, Zillow, your website, and past clients all at once. Qualifying them, collecting initial information, and getting them into your pipeline requires a consistent process. Most independent brokers have a spreadsheet. Some have a notepad.
What Mortgage AI Does
Mortgage AI takes the operational weight off your desk and keeps every file moving forward without you touching it. Six systems, one platform, no new headcount.
Send a secure document portal link to your borrower from inside your CRM or directly from Mortgage AI. The system sends timed reminders at 24, 48, and 72 hours, tracks exactly what has been received, and alerts you only when something is genuinely stalled or complete. No more scrolling through email threads to find out where a tax return landed.
Every borrower gets a personal status page that shows exactly where their loan stands in plain language. Pre-approval issued, initial documents received, in underwriting, conditions outstanding, cleared to close. Realtors can be cc'd automatically. Phone calls asking where we are drop by 70% within the first two months on the platform.
New leads answer a structured intake form that pre-qualifies them on credit range, income type, purchase price, down payment source, and timeline. Mortgage AI scores each lead and tells you immediately who is ready to move and who needs 90 days of credit repair before they belong in your active pipeline. Stop spending two hours on a borrower who cannot close for a year.
Your referral partners want to know their clients are being handled professionally. Mortgage AI sends automated milestone updates to the listing agent and buyer's agent at every major stage without any action from you. You look responsive and organized without lifting a finger. Referral partners start sending more deals because their clients are not calling them in a panic either.
Underwriting conditions get logged and tracked in one place rather than scattered across email threads and sticky notes. Mortgage AI notifies you when a condition is approaching a deadline, when a borrower has not responded in 48 hours, and when a file has gone more than five days without movement. You know about problems before they become fallen deals.
See every open file, its current stage, days in that stage, outstanding conditions, and projected close date on a single screen. Your pipeline becomes a live instrument rather than a pile of folders you have to open one by one. Monthly production reports export in one click for compliance records and producer reviews.
How It Works
Mortgage AI runs alongside your existing workflow. No loan origination system replacement, no retraining your processor. It connects to what you already use and fills the operational gaps that cost you time and deals.
Link your CRM or import your open files from Encompass, Calyx, BytePro, or a simple spreadsheet. Setup takes under 30 minutes for most brokers. Your existing data does not move anywhere you do not send it.
Customize your pre-qualification questions and document checklist for the loan products you originate. Mortgage AI ships with default checklists for conventional, FHA, VA, USDA, and jumbo. You edit them to match your shop.
Each new borrower receives a personal intake link and a secure document portal. From that moment, Mortgage AI runs the document collection, the reminders, and the status updates on autopilot. You are notified only when action is genuinely needed.
You handle relationship work, loan structuring decisions, and underwriter conversations. Mortgage AI handles the operational layer. Your average days-to-close drops. Your referral partners notice the difference and send you more business.
Built for Brokers, Not Big Banks
Mortgage AI is purpose-built for the broker running 8 to 40 loans a month without a full operations team. Every feature was designed around that specific reality, not around a correspondent lender with 200 employees.
What Brokers Say
"I was spending three hours a day on document follow-up before Mortgage AI. Now I check the portal once in the morning and once in the afternoon. That time goes straight back into prospecting and Realtor relationship calls."
"My Realtor partners used to call me constantly for status updates. Since we launched the borrower portal, I get two or three calls a week instead of twenty. The referrals have actually increased because they trust the process now and their clients are not calling them in a panic."
"The intake scoring alone paid for the subscription in the first month. I stopped wasting time on borrowers who were not ready to move. My pull-through rate went from 67% to 81% in 90 days. That is real money in my pocket."
Pricing
No setup fees. No per-loan charges. Flat monthly pricing so your operations cost is predictable and your margin stays where it belongs.
Frequently Asked Questions
Does Mortgage AI replace my loan origination system?
No. Mortgage AI runs alongside your LOS. It handles the borrower-facing communication and document workflow that your LOS was not designed to do. Your LOS stays as the system of record for underwriting and compliance. Mortgage AI is the operational layer that keeps files moving between milestones and keeps your borrowers and partners informed.
How does document storage work? Is it compliant?
Documents are encrypted at rest and in transit using AES-256. Mortgage AI is SOC 2 Type II certified and MISMO-compliant. You control data retention settings. Documents export to your LOS or document management system at any time. We do not retain documents beyond your configured retention window, and all access is logged for compliance audits.
What if my borrower is not comfortable with technology?
The borrower portal is designed for mobile-first, low-friction document upload. Borrowers can photograph documents with their phone camera directly inside the portal without downloading an app. The system accepts any file format. For borrowers who prefer email, you can configure Mortgage AI to accept documents via a dedicated upload address and auto-route them to the correct file.
How long does setup take?
Most brokers are fully operational within 48 hours of signing up. Broker and Team plans include a live onboarding call with a setup specialist. Solo plan users self-configure using the guided setup wizard. If you import your pipeline from a spreadsheet, your first active files are live the same day you sign up.
Can I customize document checklists by loan type?
Yes. Mortgage AI ships with default checklists for conventional, FHA, VA, USDA, jumbo, and DSCR. You edit any list, create custom checklists for specialty products, and set different requirements for purchase versus refinance. Changes apply immediately to files opened after the update. Existing files keep the checklist that was in place when they were created.
Is there a contract or can I cancel anytime?
Month-to-month billing with no cancellation fee or penalty. Annual billing saves two months. There is no setup fee and the 14-day free trial requires no credit card. You can cancel from inside the dashboard at any time and your data exports automatically on the way out. Nothing is held hostage.
14-day free trial. No credit card required. Most brokers have their first file live within the same day they sign up.
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